If you are moving abroad to live or work for a period of time from several months to many years, it is important to take out private medical insurance for expats in order to insure your health, protect your assets and to give you freedom of choice. This kind of private health insurance makes sure you have access to excellent medical facilities worldwide when you need it most.For some consumers, buying health insurance is the only health coverage option. However, even if you have health insurance from your employer, private insurance may still be an option to save money. Under this plan, medically necessary care is provided in the most cost effective — or least expensive — way available. Plan members must visit health care providers chosen by the managed care plan. Generally, a co-payment is charged to the patient, but sometimes all care received from providers within the plan is covered. Nearly 30% of people who work in small companies that offer health care coverage pay more than half of their monthly health insurance premium as a payroll deduction.A health insurance policy has certain exclusions that do not allow the insured to claim certain benefits for the first few years of health coverage. Therefore, having a policy from an early age means that this time period can be covered much sooner in one’s life when one is less vulnerable to medical problems. After this period of exclusions is over, the health policy is of great value because it will cover a much wider range of diseases and treatments. If the new employer does not have a health insurance plan and you decide to opt for one at that point in time, you might have to wait for a few years to avail of all the benefits. An employee and his or her family will remain covered irrespective of the employee’s job status. This gives one peace of mind, especially when the job situation might be in transition